下載App 希平方
攻其不背
App 開放下載中
下載App 希平方
攻其不背
App 開放下載中
IE版本不足
你的 IE 瀏覽器太舊了 更新 IE 瀏覽器或點選連結下載 Google Chrome 瀏覽器 前往下載

免費註冊
! 這組帳號已經註冊過了
Email 帳號
密碼請填入 6 位數以上密碼
已經有帳號了?
忘記密碼
! 這組帳號已經註冊過了
您的 Email
請輸入您註冊時填寫的 Email,
我們將會寄送設定新密碼的連結給您。
寄信了!請到信箱打開密碼連結信
密碼信已寄至
沒有收到信嗎? 點這裡重寄一次
如果您尚未收到信,請前往垃圾郵件查看,謝謝!

恭喜您註冊成功!

查看會員功能

註冊未完成

《HOPE English 希平方》服務條款關於個人資料收集與使用之規定

隱私權政策
上次更新日期:2014-12-30

希平方 為一英文學習平台,我們每天固定上傳優質且豐富的影片內容,讓您不但能以有趣的方式學習英文,還能增加內涵,豐富知識。我們非常注重您的隱私,以下說明為當您使用我們平台時,我們如何收集、使用、揭露、轉移及儲存你的資料。請您花一些時間熟讀我們的隱私權做法,我們歡迎您的任何疑問或意見,提供我們將產品、服務、內容、廣告做得更好。

本政策涵蓋的內容包括:希平方 如何處理蒐集或收到的個人資料。
本隱私權保護政策只適用於: 希平方 平台,不適用於非 希平方 平台所有或控制的公司,也不適用於非 希平方 僱用或管理之人。

個人資料的收集與使用
當您註冊 希平方 平台時,我們會詢問您姓名、電子郵件、出生日期、職位、行業及個人興趣等資料。在您註冊完 希平方 帳號並登入我們的服務後,我們就能辨認您的身分,讓您使用更完整的服務,或參加相關宣傳、優惠及贈獎活動。希平方 也可能從商業夥伴或其他公司處取得您的個人資料,並將這些資料與 希平方 所擁有的您的個人資料相結合。

我們所收集的個人資料, 將用於通知您有關 希平方 最新產品公告、軟體更新,以及即將發生的事件,也可用以協助改進我們的服務。

我們也可能使用個人資料為內部用途。例如:稽核、資料分析、研究等,以改進 希平方公司 產品、服務及客戶溝通。

瀏覽資料的收集與使用
希平方 自動接收並記錄您電腦和瀏覽器上的資料,包括 IP 位址、希平方 cookie 中的資料、軟體和硬體屬性以及您瀏覽的網頁紀錄。

隱私權政策修訂
我們會不定時修正與變更《隱私權政策》,不會在未經您明確同意的情況下,縮減本《隱私權政策》賦予您的權利。隱私權政策變更時一律會在本頁發佈;如果屬於重大變更,我們會提供更明顯的通知 (包括某些服務會以電子郵件通知隱私權政策的變更)。我們還會將本《隱私權政策》的舊版加以封存,方便您回顧。

服務條款
歡迎您加入看 ”希平方”
上次更新日期:2013-09-09

歡迎您加入看 ”希平方”
感謝您使用我們的產品和服務(以下簡稱「本服務」),本服務是由 希平方 所提供。
本服務條款訂立的目的,是為了保護會員以及所有使用者(以下稱會員)的權益,並構成會員與本服務提供者之間的契約,在使用者完成註冊手續前,應詳細閱讀本服務條款之全部條文,一旦您按下「註冊」按鈕,即表示您已知悉、並完全同意本服務條款的所有約定。如您是法律上之無行為能力人或限制行為能力人(如未滿二十歲之未成年人),則您在加入會員前,請將本服務條款交由您的法定代理人(如父母、輔助人或監護人)閱讀,並得到其同意,您才可註冊及使用 希平方 所提供之會員服務。當您開始使用 希平方 所提供之會員服務時,則表示您的法定代理人(如父母、輔助人或監護人)已經閱讀、了解並同意本服務條款。 我們可能會修改本條款或適用於本服務之任何額外條款,以(例如)反映法律之變更或本服務之變動。您應定期查閱本條款內容。這些條款如有修訂,我們會在本網頁發佈通知。變更不會回溯適用,並將於公布變更起十四天或更長時間後方始生效。不過,針對本服務新功能的變更,或基於法律理由而為之變更,將立即生效。如果您不同意本服務之修訂條款,則請停止使用該本服務。

第三人網站的連結 本服務或協力廠商可能會提供連結至其他網站或網路資源的連結。您可能會因此連結至其他業者經營的網站,但不表示希平方與該等業者有任何關係。其他業者經營的網站均由各該業者自行負責,不屬希平方控制及負責範圍之內。

兒童及青少年之保護 兒童及青少年上網已經成為無可避免之趨勢,使用網際網路獲取知識更可以培養子女的成熟度與競爭能力。然而網路上的確存有不適宜兒童及青少年接受的訊息,例如色情與暴力的訊息,兒童及青少年有可能因此受到心靈與肉體上的傷害。因此,為確保兒童及青少年使用網路的安全,並避免隱私權受到侵犯,家長(或監護人)應先檢閱各該網站是否有保護個人資料的「隱私權政策」,再決定是否同意提出相關的個人資料;並應持續叮嚀兒童及青少年不可洩漏自己或家人的任何資料(包括姓名、地址、電話、電子郵件信箱、照片、信用卡號等)給任何人。

為了維護 希平方 網站安全,我們需要您的協助:

您承諾絕不為任何非法目的或以任何非法方式使用本服務,並承諾遵守中華民國相關法規及一切使用網際網路之國際慣例。您若係中華民國以外之使用者,並同意遵守所屬國家或地域之法令。您同意並保證不得利用本服務從事侵害他人權益或違法之行為,包括但不限於:
A. 侵害他人名譽、隱私權、營業秘密、商標權、著作權、專利權、其他智慧財產權及其他權利;
B. 違反依法律或契約所應負之保密義務;
C. 冒用他人名義使用本服務;
D. 上載、張貼、傳輸或散佈任何含有電腦病毒或任何對電腦軟、硬體產生中斷、破壞或限制功能之程式碼之資料;
E. 干擾或中斷本服務或伺服器或連結本服務之網路,或不遵守連結至本服務之相關需求、程序、政策或規則等,包括但不限於:使用任何設備、軟體或刻意規避看 希平方 - 看 YouTube 學英文 之排除自動搜尋之標頭 (robot exclusion headers);

服務中斷或暫停
本公司將以合理之方式及技術,維護會員服務之正常運作,但有時仍會有無法預期的因素導致服務中斷或故障等現象,可能將造成您使用上的不便、資料喪失、錯誤、遭人篡改或其他經濟上損失等情形。建議您於使用本服務時宜自行採取防護措施。 希平方 對於您因使用(或無法使用)本服務而造成的損害,除故意或重大過失外,不負任何賠償責任。

版權宣告
上次更新日期:2013-09-16

希平方 內所有資料之著作權、所有權與智慧財產權,包括翻譯內容、程式與軟體均為 希平方 所有,須經希平方同意合法才得以使用。
希平方歡迎你分享網站連結、單字、片語、佳句,使用時須標明出處,並遵守下列原則:

  • 禁止用於獲取個人或團體利益,或從事未經 希平方 事前授權的商業行為
  • 禁止用於政黨或政治宣傳,或暗示有支持某位候選人
  • 禁止用於非希平方認可的產品或政策建議
  • 禁止公佈或傳送任何誹謗、侮辱、具威脅性、攻擊性、不雅、猥褻、不實、色情、暴力、違反公共秩序或善良風俗或其他不法之文字、圖片或任何形式的檔案
  • 禁止侵害或毀損希平方或他人名譽、隱私權、營業秘密、商標權、著作權、專利權、其他智慧財產權及其他權利、違反法律或契約所應付支保密義務
  • 嚴禁謊稱希平方辦公室、職員、代理人或發言人的言論背書,或作為募款的用途

網站連結
歡迎您分享 希平方 網站連結,與您的朋友一起學習英文。

抱歉傳送失敗!

不明原因問題造成傳送失敗,請儘速與我們聯繫!
希平方 x ICRT

「Neha Narula:金錢的未來樣貌」- The Future of Money


框選或點兩下字幕可以直接查字典喔!

I want to tell you about the future of money. Let's start with a story about this culture that lived in Micronesia in the early 1900s, called the Yap. Now, I want to tell you about the Yap because their form of money is really interesting. They use these limestone discs called Rai stones. Now, the Yap don't actually move these Rai stones around or exchange them the way that we do with our coins, because Rai stones can get to be pretty massive. The largest is about four tons and 12 feet across. So the Yap just kinda keep track of who owns what part of what stone.

Now, there's a story about these sailors that were transporting a stone across the ocean when they ran into some trouble and the stone actually fell in. Now, the sailors got back to the main island and they told everyone what had happened. And everyone decided that, actually, yes, the sailors had the stone and—why not?—it still counted. Even though it was at the bottom of the ocean, it was still part of the Yap economy.

Now, you might think that this was just a small culture a hundred years ago. But things like this happen in the Western world as well, and the Yap actually still use a form of these stones.

In 1932, the Bank of France asked the United States to convert their holdings from dollars into gold. But it was too inconvenient to actually think about shipping all of that gold over to Europe. So instead, someone went to where that gold was being stored and they just labeled it as belonging to France now. And everyone agreed that France owned the gold. It's just like those Rai stones.

The point I want to make with these two examples is that there's nothing inherently valuable about a dollar or a stone or a coin. The only reason these things have any value is because we've all decided they should. And because we've decided that, they do. Money is about the exchanges and the transactions that we have with each other. Money isn't anything objective. It's about a collective story that we tell each other about value. A collective fiction. And that's a really powerful concept.

In the past two decades, we've begun to use digital money. So I get paid via direct deposit, I pay my rent via bank transfer, I pay my taxes online. And every month, a small amount of money is deducted from my paycheck and invested in mutual funds in my retirement account. All of these interactions are literally just changing 1's and 0's on computers. There's not even anything physical, like a stone or a coin. Digital money makes it so that I can pay someone around the world in seconds.

Now when this works, it's because there are large institutions underwriting every 1 or 0 that changes on a computer. And when it doesn't, it's often the fault of those large institutions. Or at least, it's up to them to fix the problem. And a lot of times, they don't. There's a lot of friction in the system. How long did it take the US credit card companies to implement chip and pin? Half my credit cards still don't work in Europe. That's friction. Transferring money across borders and across currencies is really expensive: friction. An entrepreneur in India can set up an online business in minutes, but it's hard for her to get loans and to get paid: friction. Our access to digital money and our ability to freely transact is being held captive by these gatekeepers. And there's a lot of impediments in the system slowing things down.

That's because digital money isn't really mine, it's entries in databases that belong to my bank, my credit card company or my investment firm. And these companies have the right to say "no." If I'm a PayPal merchant and PayPal wrongly flags me for fraud, that's it. My account gets frozen, and I can't get paid.

These institutions are standing in the way of innovation. How many of you use Facebook photos, Google Photos, Instagram? My photos are everywhere. They are on my phone, they're on my laptop, they're on my old phone, they're in Dropbox. They're on all these different websites and services. And most of these services don't work together. They don't inter-operate. And as a result, my photo library is a mess.

Now, the same thing happens when institutions control the money supply. A lot of these services don't inter-operate, and as a result, this blocks what we can do with payment. And it makes transaction costs go up. So far, we've been through two phases of money. In an analog world, we had to deal with these physical objects, and money moved at a certain speed—the speed of humans. In a digital world, money can reach much farther and is much faster, but we're at the mercy of these gatekeeper institutions. Money only moves at the speed of banks.

We're about to enter a new phase of money. The future of money is programmable. When we combine software and currency, money becomes more than just a static unit of value, and we don't have to rely on institutions for security. In a programmable world, we remove humans and institutions from the loop. And when this happens, we won't even feel like we're transacting anymore. Money will be directed by software, and it will just safely and securely flow.

Cryptocurrencies are the first step of this evolution. Cryptocurrencies are digital money that isn't run by any government or bank. It's money designed to work in a world without intermediaries. Bitcoin is the most ubiquitous cryptocurrency, but there are hundreds of them. There's Ethereum, Litecoin, Stellar, Dogecoin, and those are just a few of the more popular ones. And these things are real money. The sushi restaurant down my street takes Bitcoin. I have an app on my phone that I can use to buy sashimi. But it's not just for small transactions. In March, there was a transaction that moved around 100,000 bitcoins. That's the equivalent of 40 million US dollars.

Cryptocurrencies are based on a special field of mathematics called cryptography. Cryptography is the study of how to secure communication, and it's about two really important things: masking information so it can be hidden in plain sight, and verifying a piece of information's source. Cryptography underpins so many of the systems around us. And it's so powerful that at times the US government has actually classified it as a weapon.

During World War II, breaking cryptosystems like Enigma was critical to decoding enemy transmissions and turning the tide of the war. Today, anyone with a modern web browser is running a pretty sophisticated cryptosystem. It's what we use to secure our interactions on the Internet. It's what makes it safe for us to type our passwords in and to send financial information to websites. So what the banks used to give us—trustworthy digital money transfer—we can now get with a clever application of cryptography. And this means that we don't have to rely on the banks anymore to secure our transactions. We can do it ourselves.

Bitcoin is based on the very same idea that the Yap used, this collective global knowledge of transfers. In Bitcoin, I spend by transferring Bitcoin, and I get paid when someone transfers Bitcoin to me.

Imagine that we had this magic paper. So the way that this paper works is I can give you a sheet of it and if you write something on it, it will magically appear on my piece as well. Let's say we just give everyone this paper, and everyone writes down the transfers that they're doing in the Bitcoin system. All of these transfers get copied around to everyone else's pieces of paper. And I can look at mine and I'll have a list of all of the transfers that are happening in the entire Bitcoin economy. This is actually what's happening with the Bitcoin blockchain, which is a list of all of the transactions in Bitcoin. Except, it's not done through paper. It's done through computer code, running on thousands of networked computers around the world. All of these computers are collectively confirming who owns what Bitcoin. So the Bitcoin blockchain is core to how Bitcoin works.

But where do bitcoins actually come from? Well, the code is designed to create new Bitcoin according to a schedule. And the way that it works is that to get those Bitcoin, I have to solve a puzzle—a random cryptographic puzzle. Imagine that we had 15 dice, and we were throwing these dice over and over again. Whenever the dice come up all sixes, we say that we win. This is very close to what these computers are all actually doing. They're trying over and over again to land on the right number. And when they do, we say that they've solved the puzzle.

The computer that solves the puzzle publishes its solution to the rest of the network and collects its reward: new bitcoins. And in the act of solving this puzzle, these computers are actually helping to secure the Bitcoin blockchain and add to the list of transactions.

Now, there are actually people all over the world running this software, and we call them Bitcoin miners. Anyone can become a Bitcoin miner. You can go download the software right now and run it in your computer and try to collect some bitcoins. I can't say that I would recommend it, because right now, the puzzle is so hard and the network is so powerful, that if I tried to mine Bitcoin on my laptop, I probably wouldn't see any for about two million years. The miners, professional miners, use this special hardware that's designed to solve the puzzle really fast. Now, the Bitcoin network and all of this special hardware, there are estimates that the amount of energy it uses is equivalent to that of a small country. So, the first set of cryptocurrencies are a little bit slow and a little bit cumbersome. But the next generation is going to be so much better and so much faster.

Cryptocurrencies are the first step to a world with a global programmable money. And in a world with programmable money, I can pay anyone else securely without having to sign up or ask permission, or do a conversion or worry about my money getting stuck. And I can spend money around the world. This is a really amazing thing. It's this idea of permission-less innovation. The Internet caused an explosion of innovation, because it was built upon an open architecture. And just like the Internet changed the way we communicate, programmable money is going to change the way we pay, allocate and decide on value.

So what kind of world does programmable money create? Well, imagine a world where I can rent out my healthcare data to a pharmaceutical company. They can run large-scale data analysis and provide me with a cryptographic proof that shows they're only using my data in a way that we agreed. And they can pay me for what they find out. Instead of signing up for streaming services and getting a cable bill, what if my television analyzed my watching habits and recommended well-priced content that fit within my budget that I would enjoy? Imagine an Internet without ads, because instead of paying with our attention when we view content, we just pay.

Interestingly, things like micro-payments are actually going to change the way security works in our world, because once we're better able to allocate value, people will use their money and their energies for more constructive things. If it cost a fraction of a cent to send an email, would we still have spam?

We're not at this world yet, but it's coming. Right now, it's like we're in a world that is seeing the first automobile. The first cryptocurrency, like the first car, is slow and hard to understand and hard to use. Digital money, like the horse and carriage, works pretty well, and the whole world economy is built on it. If you were the first person on your block to get a car with an internal combustion engine, your neighbors would probably think you were crazy: "Why would you want this large, clunky machine that breaks down all the time, that lights on fire, and is still slower than a horse?" But we all know how that story turns out.

We're entering a new era of programmable money. And it's very exciting, but it's also a little bit scary. Cryptocurrencies can be used for illegal transactions, just like cash is used for crime in the world today. When all of our transactions are online, what does that mean for surveillance—who can see what we do? Who's advantaged in this new world and who isn't? Will I have to start to pay for things that I didn't have to pay for before? Will we all become slaves to algorithms and utility functions?

All new technology comes with trade-offs. The Internet brought us a lot of ways to waste time. But it also greatly increased productivity. Mobile phones are annoying because they make me feel like I have to stay connected to work all the time. But they also help me stay connected to friends and family. The new sharing economy is going to eliminate some jobs. But it's also going to create new, flexible forms of employment. With programmable money, we decouple the need for large, trusted institutions from the architecture of the network. And this pushes innovation in money out to the edges, where it belongs. Programmable money democratizes money. And because of this, things are going to change and unfold in ways that we can't even predict.

Thank you.

播放本句

登入使用學習功能

使用Email登入

HOPE English 播放器使用小提示

  • 功能簡介

    單句重覆、上一句、下一句:顧名思義,以句子為單位重覆播放,單句重覆鍵顯示橘色時為重覆播放狀態;顯示灰色時為正常播放狀態。按上一句鍵、下一句鍵時就會自動重覆播放該句。
    收錄佳句:點擊可增減想收藏的句子。

    中、英文字幕開關:中、英文字幕按鍵為綠色為開啟,灰色為關閉。鼓勵大家搞懂每一句的內容以後,關上字幕聽聽看,會發現自己好像在聽中文說故事一樣,會很有成就感喔!
    收錄單字:用滑鼠框選英文單字可以收藏不會的單字。
  • 分享
    如果您覺得本篇短片很有趣或很喜歡,在短片結束時有分享連結,可以分享給朋友一同欣賞,一起看YouTube學英文!

    或是您有收錄很優秀的句子時,也可以分享佳句給大家,一同看佳句學英文!